AAA CAR INSURANCE REVIEW 2023: Coverage, Cost & More

When it comes to emergency road service in the United States, many people turn to the American Automobile Association (AAA). This group has been around for more than a hundred years and was created to protect the rights of drivers and passengers and make cars safer. Rates are higher than average compared to other insurance providers. There are several advantages to having car insurance through AAA, and the organization provides its members with a variety of insurance options. You also need to check their site for their quote too. Keep reading to get a deeper review of the AAA car insurance company. Enjoy the ride!

AAA Car Insurance Review

“American Automobile Association” is referred to by the acronym AAA. Despite being a private, nonprofit organization, anyone in North America can join AAA for a nominal charge. In its early years, the business made maps, hotel guides, and lessons for high school driving classes. Their car insurance is one of the best in the country.

With so many great benefits, AAA is one of the top choices among car insurance providers. It also provides benefits for renting cars, discounts on daily expenses like dining and shopping, identity theft protection, and more. When members bundle their homeowner’s and auto insurance policies via AAA, they can also receive discounts.

These benefits, which are only available to AAA members, may justify the price of insurance coverage. There are a lot of great perks and discounts with AAA that you might be ready to pay a little more for.

AAA Car Insurance Review: Insurance Plans

Similar to other car insurance providers, AAA provides a large selection of coverage. If you are a member of AAA, here is a quick rundown of the services available to you.

#1. AAA Onboard®

Most new members begin their AAA experience with the AAA Onboard® car insurance package. With the help of a smartphone app, Onboard® is a telematics program that tracks driving behaviors, including speed, distance traveled, and braking before adjusting rates for cautious drivers.

Policyholders can use the app to view their driver’s score and track the improvement of their rates. If you’re a cautious driver looking to save money as a result of your safe driving, this plan may be for you.

#2. Multi-vehicle Plan

You can combine the insurance coverage for several cars with an AAA multi-vehicle policy. Bundling your vehicles might reduce your rate by as much as 27.3%, according to the AAA website. Multi-vehicle insurance from AAA is also available for cars, trucks, motorcycles, and recreational vehicles.

#3. Car and Home Multi-policy

In addition, AAA provides homeowner’s insurance. To save money on both, you can combine your house and car insurance coverage. Since you’ll only have one bill to pay each month instead of two or more, this policy can help you save money overall. Still, a lot of insurance providers provide combined house and car policies. You can shop around for a more reasonable multi-policy with a different insurance provider.

AAA Car Insurance Review: Options Insurance Coverage

AAA utilizes several different insurance companies to protect its customers; thus, coverage options may vary by region. Therefore, AAA insurance can offer all basic coverage choices. Only certain locations offer some of the more specialized coverage. Usually, you have to pay extra for these supplementary coverages on top of a basic policy. However, to be sure they have the coverage you need, it is recommended to speak with a local AAA agent.

#1. Liability for bodily injuries

Most jurisdictions mandate this coverage, which covers the expense of injuring a third party when you are at fault in a car accident.

#2. Property Damage Liability

If you cause a traffic accident and cause property damage to a third party, this coverage will pay for it.

#3. Collision Coverage

If your car collides with a stationary object, like a tree or fence, your collision coverage will cover the cost of repair or replacement.

#4. Comprehensive Coverage

With comprehensive insurance, you won’t have to worry about paying for repairs if something happens to your car that’s beyond your control, like bad weather, theft, vandalism, or a collision with an animal.

#5. Underinsured and Uninsured Drivers

When the person at fault either doesn’t have insurance or has insufficient coverage, this insurance will pay for your medical expenses and any property damage.

#6. Protection Against Personal Injury

Your personal injury protection pays for any injuries you or a passenger sustain in a car collision. Services include child care, burial costs, income continuation, and loss of services.

#7. GAP insurance

If your car is totaled, GAP insurance will pay the difference between the actual cash value and the remaining balance on your lease or loan.

#8. Rental Reimbursement

The expense of renting a car while your vehicle is being repaired will be covered by rental reimbursement.

#9. Rental Car Insurance

When you are operating a rental car, this insurance will protect you.

#10. Non-owners Insurance

This policy safeguards drivers who don’t own a car but drive frequently enough to require insurance coverage.

#11. Pet Insurance

In the event that your pet sustains injuries as a result of a car accident, Pet Insurance will assist with the associated medical expenses.

#12. Accident Forgiveness

Your insurance rates won’t go up after your first accident if you qualify for accident forgiveness.

AAA Car Insurance Review: Discounts

State and county-specific discounts will differ, but the following are typical ones:

Member: Depending on how long they have been AAA members, members are eligible for a discount.
Safety Examination: If you permit AAA to evaluate your car, they will reduce your monthly cost.
AAA OnBoard or AAA Drive: These are smartphone apps that monitor your driving patterns and reward you with savings for being a safer driver.
Safe Driver: After completing an authorized defensive driving course, you can receive savings of up to 20% on your AAA coverage.
Multiple Car: If you insure multiple vehicles that you drive on a daily basis, you can save up to 27% on your premium.
Several Policies: Combine your car insurance with your renters, homeowners, condo, or life insurance to save money on premiums.
Safety attributes: If your car has airbags, a motorized seatbelt, or anti-theft measures, you can get this discount.
Homeowners: Homeowners might receive up to 37% in savings on their auto insurance.
New Car: AAA offers policyholders who own cars that are less than three years old a 30% savings.
Professionals: If you are a scientist, doctor, engineer, certified public accountant, or teacher, you may be eligible for a 7% discount.
Discount for full payment: If you pay the full year’s premium in advance, AAA will reduce the cost of your policy.
Paperless: Rather than receiving a paper bill, sign up for paperless billing to enjoy savings.
Loyalty: A full year of AAA membership entitles you to a five percent discount.

AAA Car Insurance Review: Top Benefits

The following are the top benefits of AAA car insurance:

#1. Simple online quotes

AAA makes it easy and quick for customers to get a car insurance quote by using information that is readily available to the public to pre-fill forms, which saves time. To get the best deal on affordable car insurance, drivers shouldn’t have to provide sensitive information just to get a quote.

#2. Options for affordable coverage in certain markets

In the United States, regional auto clubs offer AAA vehicle insurance. In certain sectors, premiums were higher than those of many rivals. However, in other regions of the nation, AAA insurance is a remarkably cost-effective choice for young and middle-aged drivers, outperforming competitors with reputations for inexpensive prices. Discounted prices are available to AAA members, making coverage inexpensive in some regions of the country.

#3. Excellent customer assistance

Customers in the Southwest gave AAA high grades, and the company previously ranked first in the J.D. Power U.S. Auto Insurance Study. Policy options, pricing, client interaction, invoicing, and claims management were the five parameters used to determine the most highly regarded car insurers.

AAA Car Insurance Review: Customer Support and Evaluations

Since AAA cars are handled locally by various car clubs, the quality of service provided to policyholders can vary. For instance, AAA Insurance in Tulsa has an A+ rating from the Better Business Bureau, whereas AAA in Lewisville, Texas has a C- rating. Check with your service provider in your area for feedback about this insurance if you’re thinking about signing up.

AAA Car Insurance Review: Customer Allegiance

In terms of customer loyalty, AAA is tied with Geico at number four. A little over half of the survey participants said they are likely to renew their auto insurance with AAA if they choose the business. 51% of respondents who had filed a claim with AAA stated they would be inclined to suggest AAA car insurance to someone looking for coverage; however, among clients who had not filed a claim, that percentage fell to 45%.

How Much Is AAA Car Insurance?

Although it is higher than many of the other corporations in this survey, AAA’s average yearly fee of $1,958 is not the highest. The rate for AAA is 27% higher than the $1,547 national average. Its prevalence is higher than the national average in every demographic group we analyzed.

#1. AAA Teen Driver Rates

When it comes to female teens driving, AAA’s average yearly rate is about $150 higher than the national average. In the case of teenage males, AAA’s rates are over $550 higher than the national average. AAA is more than $2,000 more expensive for females and $2,900 more expensive for males than USAA, the provider with the lowest average rates for teenagers. However, AAA is about $3,000 less for females and $2,600 less for men than Farmers, the business with the highest average rates for teenagers. Only those in the military community are eligible for USAA policies. If you’re not eligible for USAA, you may want to look into State Farm or Geico insurance. In our research,

#2. AAA Young Adult Driver Rates

AAA rates for young adults are more than $400 greater than the national average for females. AAA rates for men are about $600 higher than the national average. For females, the company’s premiums are about $1,000 higher than those of USAA, which offers the lowest rates. USAA’s prices for male drivers are roughly $1,200 less than AAA rates. Compared to Farmers, which has the highest rates, AAA has $184 lower rates for female drivers and $137 lower rates for male drivers.

#3. AAA Rates for Adult Drivers

AAA members will pay about $350 more for car insurance than the average American. For both male and female drivers, AAA is roughly $900 more annually than USAA, which offers the lowest sample rates for adult drivers. But compared to Allstate, which has the highest rates for people, its rates are lower. For women, AAA rates are $250 less, and for men, they are $220 less. Geico and State Farm were the second and third least expensive firms in this subcategory, according to our research.

#4. AAA Senior Driver Rates

When it comes to car insurance, senior drivers will spend more with AAA than with certain other providers. Compared to the national average, the corporation pays around $330 more to men and more than $360 more to women annually. For senior drivers, USAA has the lowest average annual rates—more than $820 less than AAA. The prices offered by AAA are more than $250 less than those of Allstate for men and more than $220 less for women.

AAA Car Insurance Review: Pricing

AAA is probably not the best choice if you’re searching for affordable car insurance. The car insurance coverage offered by AAA is among the most expensive available.

Car insurance usually costs about $1,700 a year for those with good credit and no moving violations. AAA is far more expensive on average. Rates are different for each policyholder because the total premium is based on their driving record, the number of cars they own, where they live, and other factors.

By taking advantage of all the discounts and benefits offered by AAA, you’ll get the most out of your car insurance. If you want to see if AAA car insurance is within your price range, you may acquire a more in-depth quote from the company online.

Read Also: ALLSTATE INSURANCE REVIEW 2023: Coverage, Cost & Quotes

AAA Car Insurance Review: Advantages and Drawbacks

The following are the advantages and drawbacks of AAA car insurance:

AAA Car Insurance Review: Advantages

Similar to top car insurance providers, AAA provides a plethora of advantages to its members. This insurer lets customers combine their monthly expenses, provides a wide range of coverage options, and has an abundance of advantages. The following are the advantages of AAA car insurance:

#1. Members receive discounts

The only people eligible for AAA car insurance are AAA members. With a yearly membership fee of $59.99, members can enjoy numerous benefits like DMV services, store and restaurant discounts, and roadside assistance. For $119 a year, the premium membership offers free towing for up to 200 miles nationwide.

AAA also provides its members with a wide variety of savings opportunities. Discounts on car insurance are offered to:

Students
military personnel
Homeowners
Individuals who fully pay their premium
Families who own multiple insured cars
Those who drive defensively
Trailer owners

Members of AAA are also eligible for non-insurance discounts from large companies such as CARFAX, National Rental Car, and a few grocery stores and restaurants. To learn more, ask your AAA representative about the local discounts that apply to you.

#2. Choices for packages on offer

Members of AAA are able to combine their car and home insurance policies. By consolidating monthly payments, bundling can save you money and facilitate better money management. Bundling several auto policies can save members up to 27.3%, while bundling their home and car insurance can save them up to 15.7%, according to the AAA website.

One useful tool for managing bundled policies is the AAA app. The app allows you to pay your mortgage loan and other expenses in one convenient location.

AAA Car Insurance Review: Drawbacks

Regretfully, only members are eligible for AAA car insurance. The policies also range from state to state. The following are the drawbacks of AAA car insurance:

#1. You must hold a membership

Being a member of AAA is a must in order to get car insurance coverage from them, so be ready to join. Becoming a member costs at least an extra $60 a year on top of the already high cost of AAA insurance. The benefits and drawbacks of membership may vary depending on your current situation.

#2. Policies differ between states

The smaller, geographically focused companies that make up AAA Car Insurance. This implies that, based on where you live, its policy alternatives, customer service, and charges will change. Companies that provide AAA car insurance include Automobile Club Group, CSAA Insurance Group, and Auto Club of SoCal. The policies and costs of any company are marginally different from one another.

Is AAA a Reliable Company?

Yes, AAA has a solid track record of success in the United States and a high financial strength rating.

Where Can I Get AAA Car Insurance?

Car insurance information about AAA is available online, over the phone, or from a local agent to interested customers. Visit the company’s website and input your ZIP code to learn more about the services available in your area.

Does AAA Provide Both Insurance and Roadside Assistance?

Of course not. However, any driver can buy roadside help from AAA without switching their insurance to AAA. Roadside assistance from AAA is available independently of AAA motor insurance coverage.

Does Buying their Car Insurance Require Me to be a Member of AAA?

Drivers do need to be AAA members in order to purchase car insurance from AAA. Renewal of cars typically necessitates drivers’ continued membership.

Is AAA a Trustworthy Company All Throughout the US?

The American Automobile Association (AAA) is an umbrella organization for several independent regional businesses. This implies that you can get AAA car insurance anywhere in the United States, although each location will have slightly different policies and customer support.

Final Thoughts

Getting a review of AAA car insurance might help you learn more about the company. I do hope this article helped you understand everything about AAA car insurance.